About Blue Cross and Blue Shield of Nebraska

Who we are

Blue Cross and Blue Shield of Nebraska (BCBSNE) is a member of the Blue Cross and Blue Shield Association, an association of independent Blue Cross and Blue Shield Plans. BCBSNE is an independent insurance company licensed by the State of Nebraska.

BCBSNE has done business in Nebraska for over 70 years. We work jointly with network health care professionals in providing the best health care possible to our customers.

Financial stability

Although the Blue Cross and Blue Shield Association does not act as a guarantor of each Plan’s financial obligations, all Plans are subject to uniform financial standards established by the Association. These standards are intended to foster a system in which each Plan maintains adequate resources to meet its obligations to its customers. BCBSNE monitors financial and operational performance in several ways.

Business leaders, consumers and health care professionals across the state sit on our Board of Directors. The Board sets standards for operations and financial performance. Such standards include the amount of operating reserves we maintain. Reserves are funds that are set aside over and above dollars needed to pay claims and run the business.

The Board also establishes and monitors all policies governing the conduct of our employees, officers and directors. These policies ensure that the corporation operates ethically and within the laws and regulations prescribed for us.

Our mission

BCBSNE exists to deliver the health and wellness solutions people value most.



The percentage of the bill you pay after your deductible has been met.


A fixed amount you pay when you get a covered health service.

Tiered benefit plan

A health care plan featuring multiple levels of benefits based on the network status of a particular provider. 


The annual amount you pay for covered health services before your insurance begins to pay.

emergency care services

Any covered services received in a hospital emergency room setting.


Includes behavioral health treatment, counseling, and psychotherapy

in-network provider

A provider contracted by your insurance company to accept an agreed upon payment for covered services. 

OUT-OF-network provider

A term for providers that aren’t contracting with your insurance company. (Your out-of-pocket costs will tend to be more expensive if you go to an out-of-network provider.)


Your expenses for medical care that aren’t reimbursed by insurance, including deductibles, coinsurance and co-payments.


If you can afford health insurance, but choose not to buy it, you must have a health coverage exemption or pay a tax penalty on your federal income tax return.


The amount you pay to your health insurance company each month. 

Preventive services

Health care services that focus on the prevention of disease and health maintenance.


Services and devices to help you recover if you are injured or have surgery. This includes physical, occupational and speech therapy.

special enrollment period

The time after the Open Enrollment Period when you can still purchase health insurance only if you have a qualifying life event (losing other health coverage, having a baby, getting married, moving).


A physician who has a majority of his or her practice in fields other than internal or general medicine, obstetrics/gynecology, pediatrics or family practice.